Hi, I'm Eric...
Your Local Mortgage Advisor.

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Eric Garnicki
Senior Mortgage Advisor

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About me

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What my customers say...
Professional!
If you are looking for a personalized, trusted service for you new home loan or refinance, Eric is your answer!! You can never go wrong with his service and advice!
Highly Recommend!
Eric made the homebuying process very streamlined and easy. He was right there to answer any and all of my questions.
Awesome To Work With!
Eric and his team are extremely organized and talented. They work towards getting you the best deal. Eric is always available for any queries we have related to real-estate in general.
Extraordinary!
Eric and his team were incredible to work with! Being first time homebuyers is hard but they were spot on and helped us close on time! Super responsive!
So impressed!
It was a honor to work with Eric Garnicki and his team. The service and personal attention I received from them was exceptional and beyond what I was expecting.
Professional!
If you are looking for a personalized, trusted service for you new home loan or refinance, Eric is your answer!! You can never go wrong with his service and advice!
Highly Recommend!
Eric made the homebuying process very streamlined and easy. He was right there to answer any and all of my questions.
Awesome To Work With!
Eric and his team are extremely organized and talented. They work towards getting you the best deal. Eric is always available for any queries we have related to real-estate in general.
Extraordinary!
Eric and his team were incredible to work with! Being first time homebuyers is hard but they were spot on and helped us close on time! Super responsive!
So impressed!
It was a honor to work with Eric Garnicki and his team. The service and personal attention I received from them was exceptional and beyond what I was expecting.
This is
me...
...and my story about why I have a passion for making homeowners.

http://wowmivh.com/Independent/Advisors/EricGarnicki/landing.mp4

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Self-Employed and Getting a Mortgage: What You Need to Know

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Eric Garnicki
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Home
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Rent vs Buy
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Eric Garnicki
Senior Mortgage Advisor
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See if you're paying too much for your mortgage!
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*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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Where are you located?
CONTINUE
What type of home do you own?
Estimate your credit score.
CONTINUE
Please estimate the value of your property.
$80k$2M+
CONTINUE
What is the remaining 1st mortgage balance?
$80,001 to $100,000
$0$300k+
CONTINUE
What is your 1st mortgage interest rate?
5%
0%10%
CONTINUE
What kind of rate do you have?
What kind of rate would you prefer?
How will this property be used?
Do you have a 2nd mortage?
Would you like to borrow additional cash?
What is your average monthly income?
$10,001 to $15,000
$0$50k+
CONTINUE
What are your average monthly expenses?
$10,001 to $15,000
$0$50k+
CONTINUE
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Eric Garnicki
Senior Mortgage Advisor
Schedule a consultation
408-771-9098 eric@thegarnickiteam.com
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Get your FREE mortgage payment estimate*
Start
*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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Question 
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/ 10
Where are you located?
CONTINUE
What type of home are you purchasing?
Estimate your credit score.
CONTINUE
What is the purchase price of the new property?
$80k$2M+
CONTINUE
What is your estimated downpayment?
3.5% Down
0%50%+
CONTINUE
Where are you at in the property search?
Are you working with a realtor?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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Privacy & Security Guaranteed
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Eric Garnicki
Senior Mortgage Advisor
Schedule a consultation
408-771-9098 eric@thegarnickiteam.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
Stop paying your landlord.
Start building equity.
Start
The Rent v's Buy quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Question 
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What is your monthly rent payment?
CONTINUE
What's your monthly rental insurance?
CONTINUE
What's the price of the home you are considering?
CONTINUE
How much down payment can you afford?
3.5% Down
0%50%+
CONTINUE
How long would you want your mortgage to be?
CONTINUE
What is your annual income?
CONTINUE
Are you a Veteran or spouse of a Veteran?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
Prev
0
11
23
32
44
56
65
74
85
97
%
Privacy & Security Guaranteed
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Eric Garnicki
Senior Mortgage Advisor
Schedule a consultation
408-771-9098 eric@thegarnickiteam.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
1 Eric Garnicki https://calendly.com/yourmortgageguyeric/15min Chat